Decide Seguros
Decide Seguros is a privately held Brazilian insurance brokerage founded in 1983, specializing in retail clothing and textile manufacturing clients. Based in São Paulo, it distributes personal and commercial policies from 16 partner insurers via consulting-led sales.
- Company typePrivate
- Founded1983
- HeadquartersSão Paulo, Brazil
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Decide Seguros does
Decide Seguros is a privately held Brazilian insurance brokerage (corretora de seguros) founded in 1983 by consultant Nilton Torres and headquartered at Alameda Afonso Schmidt, 119, in the Santana district of São Paulo. The firm operates as an intermediary between clients and insurance carriers, distributing personal and commercial policies from a network of 16 partner insurers including Porto Seguro, Bradesco Seguros, SulAmérica, Allianz, Tokio Marine, Mapfre, Chubb, AIG, and Fairfax. It has built a 30+ year specialization in the retail clothing store and textile manufacturing segment, anchored in São Paulo's Brás and Bom Retiro commercial districts, and extends coverage to a broader base of SMEs plus individual consumers.
The product portfolio spans approximately 20 lines organized into two main categories: patrimonial (commercial) insurance — including empresarial, frota, engenharia, responsabilidade civil, transportes, Garantias Contratuais, Saúde PME, dental, vida em grupo, afinidade, capitalization, and consortium products — and personal insurance — auto, residential, travel, life, pet, portable electronics, and private pension. Pricing is set by the underlying carriers, with brokerage commissions being the firm's revenue mechanism; published entry-level price points include pet insurance from R$64/month and dental plans from R$15/person, while consortium credits range from R$17k to R$500k over multi-year terms.
The go-to-market is sales-led and consulting-driven, conducted via phone, WhatsApp, and in-person meetings. No proprietary technology platform, API, mobile app, or AI capability is disclosed; the value proposition is anchored on the founder's domain expertise, long-tenured client relationships (Torra Torra, Lojão do Brás, Textil Abril, Habibs, multiple shopping centers), and access to competitive pricing across multiple carriers. The company claims national reach from its single São Paulo office but provides no data on headcount, revenue, or transaction volume.
Decide Seguros firmographics
Firmographics- Name
- Decide Seguros
- Legal name
- Decide Seguros
- Website
- https://decideseguros.com.br
- Company type
- Private
- Founded year
- 1983
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Decide Seguros is a privately held Brazilian insurance brokerage founded in 1983, specializing in retail clothing and textile manufacturing clients. Based in São Paulo, it distributes personal and commercial policies from 16 partner insurers via consulting-led sales.
- Ownership category
- akta.pro rank
Decide Seguros industry classification
Industry- Product category
- Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Retail (Personal Lines) Insurance Brokerage (FSAEADAA)
- akta.pro secondary industry
- Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)
Keywords
Where Decide Seguros is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Decide Seguros business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales
Revenue model
- Insurance Brokerage Commissions: The company operates as an insurance broker (corretora de seguros) earning commissions from insurance companies for policies sold. They partner with major Brazilian insurers (Porto Seguro, Sompo, Tokio Marine, SulAmérica, Allianz, Azul, Bradesco, Mapfre, HDI, Chubb, Sura, AIG, Argo, Berkley, Fairfax) to offer diverse insurance coverage and earn placement fees or commissions on each policy issued.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Pet insurance starting at R$64/month |
| Subscription | Monthly | Dental plan starting at R$15/person |
| Other | Multi-year contract | Property consortium with credits from R$55k to R$500k |
| Other | Multi-year contract | Auto consortium with credits from R$17k to R$103k |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels3 records
Decide Seguros product offering
Product offeringCore offering
Decide Seguros is a Brazilian insurance brokerage that intermediates between clients and more than 15 major insurers (Porto Seguro, SulAmérica, Allianz, Tokio Marine, Bradesco, Mapfre, among others) to provide tailored insurance coverage. The company offers a comprehensive portfolio organized into Patrimonial (Business) Insurance (corporate, fleet, transport, engineering, civil liability, health/dental plans for SMEs, group life, affinity, capitalization, contractual guarantees) and Personal Insurance (auto, residential, travel, life, pet, portable equipment, private pension), with specialized coverage and pricing for retail clothing stores and textile manufacturers.
Product overview
Decide Seguros is a Brazilian insurance brokerage with 30+ years of experience specializing in retail clothing stores and garment manufacturers. The company offers a comprehensive portfolio organized into two main categories: Patrimonial (Business) Insurance including corporate, fleet, transport, engineering risks, civil liability, health/dental plans for SMEs, life groups, affinity, capitalization, contractual guarantees, and consorcios; and Personal Insurance covering auto, residential, travel, life, pet, portable equipment, and private pension. The company acts as an intermediary, partnering with major Brazilian insurers (Porto Seguro, Sompo, Tokio Marine, Allianz, Bradesco, Mapfre, among others) to provide tailored coverage solutions. The business model focuses on specialized consulting with agile, personalized service rather than a unified technology platform.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- More than 30 years operating in the insurance market
- +1 more outcomes
Companies that use Decide Seguros
Customer profileNamed customers12 records
Segments3 records
Ideal customer profiles3 records
Decide Seguros technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Decide Seguros partnerships and signals
Strategic signalPartnerships
15 partnerships are on record, tiered core and general.
- Porto SegurocoreMajor Brazilian insurance company partnership. Porto Seguro is one of the largest insurance groups in Brazil, offering auto, residential, business, and life insurance products through Decide Seguros as a distribution channel.
- SompocoreInternational insurance company operating in Brazil. Sompo offers diverse insurance products including auto, property, and casualty coverage distributed through Decide Seguros.
- Tokio MarinecoreJapanese insurance company with strong presence in Brazil. Tokio Marine provides various insurance solutions including auto, business, and specialty lines through Decide Seguros.
- SulAméricacoreMajor Brazilian insurance, pension, and healthcare company. SulAmérica offers health, dental, life, auto, and business insurance products distributed through Decide Seguros.
- AllianzcoreGlobal insurance company with significant Brazilian operations. Allianz provides corporate, specialty, and personal insurance products through Decide Seguros as a broker partner.
- Azul SegurosgeneralBrazilian insurance company offering auto, residential, and business insurance products through Decide Seguros distribution network.
- Bradesco SeguroscoreInsurance subsidiary of Bradesco financial group, one of Brazil's largest banks. Offers comprehensive insurance products including auto, health, life, and business coverage through Decide Seguros.
- MapfrecoreSpanish insurance company operating globally and in Brazil. Mapfre provides auto, business, agricultural, and specialty insurance through Decide Seguros.
- HDI SegurosgeneralBrazilian insurer specializing in corporate and specialty risk insurance products distributed through Decide Seguros.
- ChubbgeneralGlobal insurance company offering commercial and specialty insurance products in Brazil through Decide Seguros as a broker partner.
- SurageneralLatin American insurance company providing corporate risk, engineering, and specialty insurance products through Decide Seguros.
- AIGgeneralAmerican international insurance organization operating in Brazil. AIG offers commercial, specialty, and personal insurance products through Decide Seguros.
- Argo SegurosgeneralBrazilian insurance company specializing in specialty and wholesale insurance products distributed through Decide Seguros.
- Berkley BrasilgeneralInsurance company focused on commercial and specialty lines, providing products through Decide Seguros broker network.
- Fairfax BrasilgeneralPart of Fairfax Financial Holdings group, offering commercial insurance and reinsurance products in Brazil through Decide Seguros.
Scale indicators2 records
Recent moves5 records
Expansion highlights4 records
Decide Seguros competitors and assessment
Company assessmentDirect peers
- Wiz Soluções: One of Brazil's largest independent insurance brokerage groups, distributing multiple product lines through a network of brokers and partners. Directly comparable as a multi-carrier retail and corporate insurance broker operating in the same market with similar carrier relationships.
- Lojacorr: Brazilian insurance brokerage network focused on retail and SME insurance distribution, operating a multi-carrier platform. Directly comparable as a Brazilian retail/SME insurance broker serving similar customer segments with similar carrier panel model.
Broad incumbents
- Tokio Marine Seguradora: Major Japanese-affiliated insurer with significant Brazilian operations distributing through brokers like Decide. Comparable as a carrier partner and competitive incumbent with broader product breadth and direct sales capability.
- SulAmérica: Major Brazilian insurer with strong health, dental and life franchise distributed through brokers and direct. Comparable as a carrier partner and a competitive broker-alternative for Decide's SME health/dental book.
- Bradesco Seguros: Insurance arm of Bradesco, one of Brazil's largest banks, distributing auto, health, life and business products through branches and brokers. Comparable as a carrier partner and competitor combining captive bank-channel distribution with broker networks.
- Mapfre Seguros: Spanish-owned global insurer with major Brazilian operations distributing auto, business and specialty lines through brokers. Comparable as a carrier partner and competitive incumbent in the same retail/SME brokerage channel.
- Porto Seguro Corretora: Porto Seguro operates direct and broker-distributed insurance in Brazil across auto, home, life and business lines. Comparable as a counterparty on Decide's carrier panel and a competitor in retail/SME insurance distribution with significantly greater scale.
- Allseg (Allianz Partner Brazil): Major incumbent insurer and broker in Brazil through the Allianz group, distributing corporate and personal lines through broker channels. Comparable as both a carrier partner and a broader competitor with deeper product and capital backing than Decide.
Emerging players
- 180 Seguros: Brazilian digital-first insurance broker using a tech platform to distribute auto, home and life products from multiple carriers. Comparable as a multi-carrier broker serving Brazilian retail and SME customers, but with a fundamentally different digital distribution model.
- Justos: Brazilian insurtech operating as a licensed insurance company (not pure broker) with a digital-first model targeting auto and SME customers. Comparable as a competitor in Brazilian retail insurance distribution but differentiated by proprietary technology stack.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Decide Seguros social profiles
Digital presenceDecide Seguros financial estimates
Financial estimateRevenue estimate
Valuation estimate
Decide Seguros leadership team
Management profileNumber of profiles
Profiles1 record
Decide Seguros funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Decide Seguros M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Decide Seguros
What does Decide Seguros do?
Decide Seguros is a Brazilian insurance brokerage that intermediates between clients and more than 15 major insurers (Porto Seguro, SulAmérica, Allianz, Tokio Marine, Bradesco, Mapfre, among others) to provide tailored insurance coverage. The company offers a comprehensive portfolio organized into Patrimonial (Business) Insurance (corporate, fleet, transport, engineering, civil liability, health/dental plans for SMEs, group life, affinity, capitalization, contractual guarantees) and Personal Insurance (auto, residential, travel, life, pet, portable equipment, private pension), with specialized coverage and pricing for retail clothing stores and textile manufacturers.
Is Decide Seguros a public or private company?
Decide Seguros is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Decide Seguros founded?
Decide Seguros was founded in 1983. It employs 1 to 10 people.
Where is Decide Seguros based?
Decide Seguros is headquartered in São Paulo, Brazil, in the Latin America region.
How does Decide Seguros make money?
One revenue line is on record: insurance Brokerage Commissions.
Who are Decide Seguros's main competitors?
Direct peers on record are Wiz Soluções and Lojacorr. Broad incumbents are Tokio Marine Seguradora, SulAmérica, Bradesco Seguros, Mapfre Seguros, Porto Seguro Corretora and Allseg (Allianz Partner Brazil). Emerging players are 180 Seguros and Justos.
Does Decide Seguros have an API?
No public API is recorded for Decide Seguros.
What industry is Decide Seguros in?
Decide Seguros's product category is Insurance Brokerage. Its primary akta.pro industry code is FSAEADAA, Retail (Personal Lines) Insurance Brokerage, with a secondary code of FSAEADAJ, Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines). Its NAICS code is 524210 and its SIC code is 6411.